《保险研究》20240606-《政策性农业保险对农户绿色生产的影响研究——基于4省小麦种植户的调查数据》（张旭光、柴智慧）

［摘   要］农业生产方式的绿色转型是保障农业绿色发展和提高我国农业竞争力的重要基础，研究政策性农业保险对农户绿色生产的影响具有重要意义。本文构建了政策性农业保险影响农户绿色生产行为的理论分析框架，根据影响路径差异，农业保险分别从化学要素减施效应、收入保障效应和运营规制效应三个方面影响绿色生产，并基于河南、山东、安徽和黑龙江4省539户小麦种植户的调查数据，应用倾向得分匹配方法进行实证检验。结果表明：参与政策性农业保险可以提升农户的绿色种植行为程度，农业保险具有显著的绿色生产促进效应。机制分析表明，政策性农业保险主要通过增加农户农业经营收入占比、提高农业生产稳定性来促进农户的绿色生产决策。建议进一步扩大政策性农业保险覆盖面，积极释放农业保险的收入保障效应，降低农户绿色生产转型风险，强化农业保险与农业绿色生产的有效衔接与联动。

［关键词］农业保险；农业绿色发展；绿色生产行为；农户

［基金项目］国家自然科学基金(72163026、72063024、71873072)；内蒙古农业大学基本科研业务费项目(BR230303、BR221042)；内蒙古自治区自然科学基金(2023QN07009)。

［作者简介］张旭光，内蒙古农业大学经济管理学院副教授、博士，研究方向：农村金融与保险、农牧业经济管理；柴智慧（通讯作者），内蒙古农业大学经济管理学院教授、博士，研究方向：农村金融、草原畜牧业经济。

A Research on the Impacts of Policy-based Agricultural Insurance on Green Production of Farmers—Based on survey data of wheat growers in four provinces of China

ZHANG Xu-guang,CHAI Zhi-hui

Abstract：The green transformation of agricultural production methods is an important foundation for ensuring the sustainable development of agriculture and enhancing the competitiveness of Chinese agriculture.It is of significant importance to study the impact of agricultural insurance policies on farmers′ green production behaviors.This article constructed a theoretical framework for analyzing the impact of agricultural insurance policies on farmers′ green production behaviors.Based on the differences in impact pathways,agricultural insurance affected green production through three aspects: the chemical input reduction effect,the income protection effect,and the operational regulation effect.And based on survey data from 539 wheat growers in four provinces (Henan,Shandong,Anhui,and Heilongjiang) in China,empirical testing was conducted using the propensity score matching method.The results indicated that participating in agricultural insurance could enhance farmers' green planting behavior,and the green production promotion effect of agricultural insurance was significant.Mechanism analysis showed that agricultural insurance mainly promoted farmers′ green production decisions by increasing the proportion of agricultural income and improving the stability of agricultural production inputs.Therefore,the article suggests further expanding the coverage of agricultural insurance,actively harnessing the income protection effect of agricultural insurance,reducing the risks of farmers' green production transformation,and strengthening the effective connection and coordination between agricultural insurance and green production in agriculture.

Key words：agricultural insurance; green development of agriculture; green production behavior; farmers